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1 <br /> PUBLIC SECTOR EXPERTISE <br /> Travelers is the leading provider of property and casualty insurance for public entities.It's a position we've worked hard to cam by building <br /> lasting relationships and strong foundations in communities across the country.With our expertise,years of hands-on experience and <br /> ' outstanding financial strength and stability,clients count on us to deliver thoughtfully designed,tailored insurance coverages and risk <br /> management solutions for the exposures they face. <br /> Our underwriting,risk control and claim teams work exclusively with public entities.Travelers has impressive capabilities to serve the needs of <br /> the market.We're proud to offer: <br /> • Package products for municipalities,counties,water and sewer districts and other selected special <br /> districts.For these segments,we deliver a menu of customized offerings and solutions—including <br /> property,liability,auto and professional coverages-designed specifically for local governments.. <br /> Large public entity property business—including schedules in excess of$250 million total insured <br /> values—for the segments listed above as well as for schools,excess property and assumed reinsurance. <br /> The team at Travelers takes the time to understand issues affecting local government.They analyze current risks,anticipate those customers may <br /> face in the future and create flexible solutions to manage both. <br /> Underwriting <br /> Our underwriters stay abreast of public affairs,as well as evolving legal and social issues.We develop balanced solutions to meet each <br /> customer's unique situation and work with agents and brokers to customize the most effective plan for our clients. <br /> Claim Services <br /> When it comes to claim handling,one size doesn't fit all.Travelers has claim professionals dedicated to handling claims for public entities.They <br /> understand state-specific issues and have extensive knowledge of the immunities and special defenses afforded to public entities.In addition, <br /> Travelers retains defense counsel who specializes in representing public entities and understand the complexity of public entity legislation. <br /> Risk Control Services <br /> ' Travelers risk control consultants work exclusively with public entity clients.These risk control professionals are dedicated to understanding a <br /> customers unique operations,risks and issues.The value-added risk management programs,seminars and personalized service plans offered by <br /> Travelers help prevent losses and reduce overall costs for public entities. <br />